Expectations trend
FY2027 · fiscal year ending 2027-12-31 · fmp
Community Bank System, Inc. (CBU)
NYSEFinancialsBanks - RegionalSnapshot 2026-11-04
$64.64-1.66%
Close 2026-11-05 · 1-day change
NYSEFinancialsBanks - RegionalSnapshot 2026-11-04
The long-term thesis, the evidence coming in, and the environment around it. Thesis dated Jul 8, 2026.
Next-FY EPS estimate change · 30 days
5.19 → 5.15 EPS · FY ending Dec 31, 2027 · 5 analysts
One observable signal. This measures changing earnings expectations, not the probability of a gain or loss.
Change in the same fiscal period’s mean EPS estimate from Oct 5, 2026 to Nov 4, 2026: (new ÷ prior − 1). Contributor count changed from 5 to 5; this is not the number of analysts revising. The ±10% axis is a display range.
The EPS and P/E reference is not available for CBU yet.
| Measure / period | Management expectations | Analyst expectations |
|---|
Management figures unavailable.
Current consensus figures unavailable.
Three published thesis conditions, with dated milestones shown separately.
| Key Factor | Why It Matters | Current Status | Break Condition | Latest Evidence |
|---|---|---|---|---|
successful integration of ClearPoint acquisition | The ClearPoint acquisition should boost revenue and wealth management offerings. | Improving | ClearPoint acquisition fails or revenue contribution declines | Qualitative condition This condition has no defined numerical measure. Nov 4, 2026Last status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Compare these dated observations with the operating requirements above
FY2027 · fiscal year ending 2027-12-31 · fmp
The evidence, the remaining questions, and what comes next
No recovery evidence is reported in the available driver assessments.
Next earnings date unavailable
Look for updated results and guidance against the published targets, plus direct evidence for unresolved drivers.
Observed price history; separate from operating scenarios
The weekly editorial context below is a separate assessment from the dated monitor evidence above. Recovery observations do not automatically change the published thesis. Unverified outside influences are hypotheses, not measured driver evidence.
CBU is a diversified financial company with a measured growth thesis, rather than a clear turnaround or high-growth story. The thesis is intact and recently shifted from mixed to mildly favorable, though the evidence is only medium confidence.
The valuation model shows a durable premium versus peers, while the expectations gap is slightly negative, meaning expectations are marginally ahead of the model’s assessment. Pricing is tagged as justified, and no fragility signals are present, but the valuation picture is neutral overall.
Over the multi-year view, recent revenue and operating earnings growth, along with gains in wealth and employee benefit services, support continued business progress. Expense growth has limited evidence of improved operating leverage, and the recent earnings miss history makes execution worth watching; the latest quarter was reported as an earnings beat.
The near-term case depends on whether management maintains guidance and continues delivering earnings growth while controlling expenses. Rate cuts could weigh on the financial sector, while continued earnings strength and higher guidance from sector bellwethers could support sector momentum.
For the next 1 to 3 years, CBU’s long-term thesis looks intact but balanced: diversified growth and recent execution are offset by expense pressure and sensitivity to guidance and rates. Not investment advice.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
| CBU grew net income from $49.6M to $57.2M in 2026-Q1. |
| Intact |
| net income falls below $49.6M in any quarter of 2026 |
Net income: $61.334M FY2026-Q2; GAAP. Published target: net income >= $57.2M in 2026-Q1. The stored target says 2026-Q1; this source reports FY2026-Q2. Fiscal/calendar alignment needs review. Aug 7, 202661,334,000 USD · source valueLast status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
operating income improvement in 2026 | Operating income rose from $71.9M to $74.6M in the same period. | Intact | operating income falls below $71.9M in any quarter of 2026 | Operating income: $80.815M FY2026-Q2; GAAP. Published target: operating income >= $74.6M in 2026-Q1. The stored target says 2026-Q1; this source reports FY2026-Q2. Fiscal/calendar alignment needs review. Aug 7, 202680,815,000 USD · source valueLast status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Stored thesis · Jul 8, 2026. Latest Evidence uses source-matched measurements where available, alongside the last thesis-monitor assessment. Source periods and assessment dates are shown separately. A new measurement does not automatically change the published status or verify an older target.
$5.36 → $5.15 · observed estimates
$0.96B → $0.97B · observed estimates
One fiscal period and provider throughout. At least five contributors are required for each plotted metric; missing coverage stays a gap. Axes show the observed range. Counts measure coverage, not revisions.
| Snapshot | EPS | Revenue | EPS / revenue analysts |
|---|---|---|---|
| 2026-07-24 | $5.36 | $964,333,250 | 6 / 4 |
| 2026-07-25 | $5.36 | $964,333,250 | 6 / 4 |
| 2026-07-26 | $5.36 | $964,333,250 | 6 / 4 |
| 2026-07-27 | $5.36 | $964,333,250 | 6 / 4 |
| 2026-07-28 | $5.36 | $964,333,250 | 6 / 4 |
| 2026-07-29 | $5.36 | $966,133,250 | 6 / 4 |
| 2026-07-30 | $5.36 | $966,133,250 | 6 / 4 |
| 2026-07-31 | $5.32 | $967,491,000 | 5 / 4 |
| 2026-08-01 | $5.32 | $967,491,000 | 6 / 5 |
| 2026-08-02 | $5.32 | $967,491,000 | 6 / 5 |
| 2026-08-03 | $5.29 | $967,491,000 | 6 / 5 |
| 2026-08-04 | $5.29 | $967,491,000 | 6 / 5 |
| 2026-08-05 | $5.19 | $964,036,200 | 6 / 5 |
| 2026-08-06 | $5.19 | $964,036,200 | 5 / 4 |
| 2026-08-07 | $5.19 | $964,036,200 | 5 / 4 |
| 2026-08-08 | $5.19 | $964,036,200 | 6 / 5 |
| 2026-08-09 | $5.19 | $964,036,200 | 5 / 4 |
| 2026-08-10 | $5.19 | $964,036,200 | 6 / 5 |
| 2026-08-11 | $5.19 | $964,036,200 | 5 / 4 |
| 2026-08-12 | $5.19 | $964,036,200 | 5 / 4 |
| 2026-08-13 | $5.19 | $964,036,200 | 5 / 4 |
| 2026-08-14 | $5.19 | $964,036,200 | 5 / 4 |
| 2026-08-15 | $5.19 | $964,036,200 | 5 / 4 |
| 2026-08-16 | $5.19 | $964,036,200 | 5 / 4 |
| 2026-08-17 | $5.19 | $964,036,200 | 5 / 4 |
| 2026-08-18 | $5.19 | $964,036,200 | 5 / 4 |
| 2026-08-19 | $5.19 | $964,036,200 | 5 / 4 |
| 2026-08-20 | $5.19 | $964,036,200 | 5 / 4 |
| 2026-08-21 | $5.19 | $964,036,200 | 5 / 4 |
| 2026-08-22 | $5.19 | $964,036,200 | 5 / 4 |
| 2026-08-23 | $5.19 | $964,036,200 | 5 / 4 |
| 2026-08-24 | $5.19 | $964,036,200 | 5 / 4 |
| 2026-08-25 | $5.19 | $964,036,200 | 5 / 4 |
| 2026-08-26 | $5.19 | $964,036,200 | 5 / 4 |
| 2026-08-27 | $5.19 | $964,036,200 | 5 / 4 |
| 2026-08-28 | $5.19 | $964,036,200 | 5 / 4 |
| 2026-08-29 | $5.19 | $964,036,200 | 5 / 4 |
| 2026-08-30 | $5.19 | $964,036,200 | 5 / 4 |
| 2026-08-31 | $5.19 | $964,036,200 | 5 / 4 |
| 2026-09-01 | $5.19 | $964,036,200 | 5 / 4 |
| 2026-09-02 | $5.19 | $964,036,200 | 5 / 4 |
| 2026-09-03 | $5.19 | $964,036,200 | 5 / 4 |
| 2026-09-04 | $5.19 | $964,036,200 | 5 / 4 |
| 2026-09-05 | $5.19 | $964,036,200 | 5 / 4 |
| 2026-09-06 | $5.19 | $964,036,200 | 5 / 4 |
| 2026-09-07 | $5.19 | $964,036,200 | 5 / 4 |
| 2026-09-08 | $5.19 | $964,036,200 | 5 / 4 |
| 2026-09-09 | $5.19 | $964,036,200 | 5 / 4 |
| 2026-09-10 | $5.19 | $964,036,200 | 5 / 4 |
| 2026-09-11 | $5.19 | $964,036,200 | 5 / 4 |
| 2026-09-12 | $5.19 | $964,036,200 | 5 / 4 |
| 2026-09-13 | $5.19 | $964,036,200 | 5 / 4 |
| 2026-09-14 | $5.19 | $964,036,200 | 5 / 4 |
| 2026-09-15 | $5.19 | $964,036,200 | 5 / 4 |
| 2026-09-16 | $5.19 | $964,036,200 | 5 / 4 |
| 2026-09-17 | $5.19 | $964,036,200 | 5 / 4 |
| 2026-09-18 | $5.19 | $964,036,200 | 5 / 4 |
| 2026-09-19 | $5.19 | $964,036,200 | 5 / 4 |
| 2026-09-20 | $5.19 | $964,036,200 | 5 / 4 |
| 2026-09-21 | $5.19 | $964,036,200 | 5 / 4 |
| 2026-09-22 | $5.19 | $964,036,200 | 5 / 4 |
| 2026-09-23 | $5.19 | $964,416,200 | 5 / 4 |
| 2026-09-24 | $5.19 | $964,416,200 | 5 / 4 |
| 2026-09-25 | $5.19 | $964,416,200 | 5 / 4 |
| 2026-09-26 | $5.19 | $964,416,200 | 5 / 4 |
| 2026-09-27 | $5.19 | $964,416,200 | 5 / 4 |
| 2026-09-28 | $5.19 | $964,416,200 | 5 / 4 |
| 2026-09-29 | $5.19 | $964,416,200 | 5 / 4 |
| 2026-09-30 | $5.19 | $964,416,200 | 5 / 4 |
| 2026-10-01 | $5.19 | $964,416,200 | 5 / 4 |
| 2026-10-02 | $5.19 | $964,316,200 | 5 / 4 |
| 2026-10-03 | $5.19 | $964,316,200 | 5 / 4 |
| 2026-10-04 | $5.19 | $964,316,200 | 5 / 4 |
| 2026-10-05 | $5.19 | $964,316,200 | 5 / 4 |
| 2026-10-06 | $5.19 | $964,316,200 | 5 / 4 |
| 2026-10-07 | $5.20 | $965,021,800 | 5 / 4 |
| 2026-10-08 | $5.20 | $965,021,800 | 5 / 4 |
| 2026-10-09 | $5.18 | $965,021,800 | 5 / 4 |
| 2026-10-10 | $5.18 | $965,021,800 | 5 / 4 |
| 2026-10-11 | $5.18 | $965,021,800 | 5 / 4 |
| 2026-10-12 | $5.18 | $965,021,800 | 5 / 4 |
| 2026-10-13 | $5.18 | $965,081,800 | 5 / 4 |
| 2026-10-14 | $5.18 | $965,081,800 | 5 / 4 |
| 2026-10-15 | $5.18 | $965,081,800 | 5 / 4 |
| 2026-10-16 | $5.18 | $965,081,800 | 5 / 4 |
| 2026-10-17 | $5.18 | $965,081,800 | 5 / 4 |
| 2026-10-18 | $5.18 | $965,081,800 | 5 / 4 |
| 2026-10-19 | $5.18 | $965,081,800 | 5 / 4 |
| 2026-10-20 | $5.18 | $965,081,800 | 5 / 4 |
| 2026-10-21 | $5.18 | $965,081,800 | 5 / 4 |
| 2026-10-22 | $5.18 | $965,081,800 | 5 / 4 |
| 2026-10-23 | $5.18 | $965,081,800 | 5 / 4 |
| 2026-10-24 | $5.18 | $965,081,800 | 5 / 4 |
| 2026-10-25 | $5.18 | $965,081,800 | 5 / 4 |
| 2026-10-26 | $5.18 | $965,081,800 | 5 / 4 |
| 2026-10-27 | $5.18 | $965,081,800 | 5 / 4 |
| 2026-10-28 | $5.18 | $966,263,800 | 5 / 4 |
| 2026-10-29 | $5.19 | $965,921,400 | 5 / 5 |
| 2026-10-30 | $5.19 | $965,921,400 | 5 / 5 |
| 2026-10-31 | $5.17 | $965,921,400 | 5 / 5 |
| 2026-11-01 | $5.17 | $965,921,400 | 5 / 4 |
| 2026-11-02 | $5.17 | $965,921,400 | 5 / 4 |
| 2026-11-03 | $5.15 | $965,261,400 | 5 / 4 |
| 2026-11-04 | $5.15 | $965,261,400 | 5 / 4 |
Revenue and EPS estimates track expectations. They are not delivered results or like-for-like proof of a required annual path.
Latest: 1 Buy / Strong Buy · 5 Hold · 0 Sell / Strong Sell
Recent actions · Oct 6–Nov 4 · 2 recorded
0 raises · 1 cuts · 0 unchanged · 1 without a comparable prior
Oct 6, 2026–Nov 4, 2026. Each firm's latest positive target is paired only with its immediately prior positive target from the same provider, at most 180 days earlier. Unmatched observations have one dot; conflicting observations are not compared.
3 of 3 published conditions remain under pressure or need verification. The next results need to address those conditions.
The dated weekly assessment and its assumptions are available in Read detailed Outlook.